As for minor: my EX 8 is 827 and my EX 8 AU is a 842 which are solid scores as I have several inquiries on that file.
I don’t have reason codes for my classic score but the AU has the following paraphrased:
1) Short Accoubt History (AAOA)
2) Short Revolving History
3) Loan Balances (too high compared to original)
4) Consumer Finances Accounts (all one of them)
Also my EX FICO 2 mortgage score is above 760 too.
The CFA is basically irrelevant if the rest of your file is clean, and isn’t that painful when it is dirty either compared to a standard public record of any type.
@Anonymous wrote:
@Queen_Etherea wrote:Ok so this is weird... a couple of days ago my mortgage score was 649 and the CFA reason code was there. Now, my mortgage score is 635
and the CFA reason code has disappeared.
Well, this doesn't make any sense above. It seems that something else changed on your report, as I'm sure the removal of a CFA would not cause a 14 point gain. Perhaps a 14 point loss, but not a gain. That being said, you're looking for a different score-changing event that actually increased your score (say) 28 points... using the numbers I gave above as an example, of course.
Oops I think I may have caused a misunderstanding... I'm not saying that the CFA account is the reason for my score drop. I know why my score dropped and it was because my utilization increased and literally all of my cards are reporting a balance. Well, at least that's why with my FICO 8 score. I don't know what would have caused such a drop with that mortgage score. That old loan account is still going to be on my report for about another 4 years as it was closed in March 2013. I have about 3 inquiries ready to fall of in the next month and I've already paid off all those cards, so hopefully I'll get some of those points back when everything reports!
@Anonymous wrote:
@Anonymous wrote:Its really crappy that something I did to help rebuild my credit will actually damage it for another 10 years.
Well, "damage" and "significantly damage" are two different things. IMO, a CFA doesn't cause more than a minor impact. I have yet to see concrete evidence that the removal of this negative reason code results in a significant score change. I think many times a bigger deal is made about these than should be the case.
Somewhere between 13 and 29 points -- I was hit with multiple rounds of negative alerts for this one account opening. Less than the 50-100 points you lose for some major negatives, sure. But a lot more than inquiries and other little things that people worry about, and all of them dissapear faster than a CFA will, including major derogs.
The only reason I opened it was to help pad auto/installment history for a larger future vehicle loan -- the CRAs even recognize it as a secured installment loan. Little did I know it would be a long lasting negative instead. By the tme I'm in the market to make that purchase, I expect the CFA to be the top ranked negative on my auto scores instead of being helpful. Having a CFA is currently ranked higher than a lack of auto loan history by the CRAs that my previous auto loan did not report to in all scoring versions except Experian Auto Score 2, and somewhere between higher than carrying <49% installment util and lower in importance than when it was >59% (I'm making >10% principal payment each month to get rid of this CFA **** ASAP instead of stringing out the 36M loan at <9% like I originally intended, which by the way would have worked for a loan with Sheffield if you're desperate for Credit Mix points 
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When I've got the title I'm definitely going to be writing letters to the lender asking them to delete. A few months worth of payment history is not worth 11 years of penalties -- just because I took an interest rate at half of what my CU's were offering from the dealership's captive lender. If I can get the delete, I'll be sure to report how much they jump back up.
@Anonymous wrote:
@Glen_M wrote:Somewhere between 13 and 29 points
Across which scoring models are you referencing those score drops and what does your file look like in terms of clean/dirty, thick/thin, young/old?
I'm guessing most people would be upset about an unexpected 50-75 point drop in scores.
After 6 months some of my auto scores are still -50, with CFA util under 49% (its principal was 12.1k, washing out some of the SSLs effect). Interestingly, the old Auto models don't seem to care much about CFAs and those scores have actually improved up to 25pt.
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Pre-CFA differentials corrected.
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After 6 months some of my auto scores are still -50, with CFA util under 49% (its principal was 12.1k, washing out some of the SSLs effect). Interestingly, the old Auto models don't seem to care much about CFAs and those scores have actually improved up to 25pt.
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Out of curiosity I looked at soem other score models. Like the older Auto scores, the Mortgage scores of that era seem to ignore CFAs. After a small initial dip from a new account, they have improved significantly after 6 months.
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As some of you may remember, I have a CFA but only Experian recognizes it as such. If I do have it on the other bureaus, I have never been able to trigger the code on any models of TU or EQ. I have only been able to trigger it on a few models on EX. This is Bankcard 5,4,2 from October. You'll see only EX has a negative CFA code.
As of last month, that code has disappeared even though my score is lower.
So given the fact that I only have a CFA coding on EX, my scores should be suffering more on that bureau than any others due to the presence of the CFA. I'll use the same models reported by Glen. Inquiries EQ 0, EX 1, TU 5
So in my personal experience, the only bureau with a CFA present has equivalent or higher scores than the bureaus without one. This leads me to believe in what I have stated before that it shouldn't be a major hit. Glen's stats would prove the opposite and quite honestly, none of this really makes sense...lol.
Glen's file is pretty busy and either new/thin or some derogatory information holding it down seemingly on EQ at least, as a result don't think one can really isolate the impact of a CFA. I'm also not sure it does impact every model to one of his points, would be curious to see in reason codes which ones it shows up in... like I've never had it on FICO 8 Classic for EX but the above post shows it.
I'm 2.5 years away from my own CFA dropping, though I may see if I can get things like EE but not sure that works on "positive" tradelines. May also see about trying to get it removed once I get through initial business credit establishment and sometime after my AAOA clears 5 years on all 3 bureaus.
Either way I will get before and after on a mature file, namely one that doesn't have scores move around all that much anymore... for all that my VS 3.0 on EQ and TU both increased to above 800 for some unknown reason in the past 9 days and I have no idea why at this point even after going over the CK data.
End of the day though I've come within 30 points of capping EX FICO 8, EQ FICO 8, and within 40 on EQ FICO 5 in my journey with the CFA being the only dirt on there other than some inquiries or accounts < 1 year when talking FICO 8, and my age factors are well below what is commonly held to be a requirement for an 850 so I just can't see it's being a big deal score wise.